Dear Jeffrey! I hope this letter finds you well! I do not believe I owe you any money; I do owe you my gratitude. Please except my appreciation for the good things you've done. I wish you a good health, peace and happiness from all of my heart. You are a generous man. Please do not ask Rich to call me and ask me for money. Please let it be and write me a note that I do not owe you anything. Forgive me if you are disappointed in me. Best wishe EFTA00725520